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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,161 | $95,453-64.2% | $112,040-69.5% | $82,448-58.6% |
| Participation rate | 44.7% | 72.8%-28.0pp | 76.5%-31.8pp | 68.1%-23.3pp |
| Annual return | 13.40% | 23.92%-10.5pp | 24.52%-11.1pp | 41.64%-28.2pp |
| Employer contribution / active EE | $1,571 | $2,318-32.2% | $2,954-46.8% | $2,551-38.4% |
| Participant deferral / active EE | $2,074 | $4,224-50.9% | $5,098-59.3% | $4,139-49.9% |
| Admin fee / account holder | $10,486 | $9,013+16.3% | $12,098-13.3% | $7,234+44.9% |